Cheap Chula Vista Car Insurance

If you want to find the absolute lowest rates, then the best way to find more affordable car insurance prices is to make a habit of comparing prices annually from companies who can sell car insurance in Chula Vista.

  1. It will benefit you to learn about how car insurance works and the measures you can control to prevent rate increases. Many things that increase rates like getting speeding tickets and bad credit can be remedied by making small lifestyle or driving habit changes.
  2. Compare price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only give prices from one company like Progressive or State Farm, while independent agents can provide prices for a wide range of companies.
  3. Compare the new rate quotes to your current policy to see if switching to a new carrier will save money. If you find a better price and decide to switch, ensure there is no coverage lapse between policies.
  4. Tell your current agent or company of your intention to cancel the current policy and submit a completed policy application and payment to the new company. Once coverage is bound, keep the new proof of insurance paperwork in an easily accessible location in your vehicle.

The key aspect of shopping around is to use similar deductibles and liability limits on every quote and and to look at as many companies as feasibly possible. This helps ensure an apples-to-apples comparison and a thorough price selection.

Whether you pay cheap or expensive rates for auto insurance depends on a wide range of factors, but the average cost in Chula Vista is roughly $1,430 per year. Other states average about $1,224, so Chula Vista drivers pay around $209 more each year than drivers who live in other states.

Insurance rates in Chula Vista are dependent upon a lot of factors, and one of the primary price factors is the type of vehicle you own. The rate table below details price estimates for some of the most popular vehicles in Chula Vista.

Car Insurance Rates for Popular Cars in Chula Vista
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus SE 4-Dr Sedan $1,028 $514 $86
Ford Fusion SEL 4-Dr Sedan $1,124 $562 $94
Hyundai Elantra SE 4-Dr Sedan $1,102 $551 $92
Hyundai Sonata SE 4-Dr Sedan $1,178 $589 $98
Kia Optima EX $1,200 $600 $100
Nissan Altima Hybrid 4-Dr Sedan $1,124 $562 $94
Toyota Camry Hybrid $1,200 $600 $100
Toyota Corolla S $1,102 $551 $92
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Cost estimates assume married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, multi-policy, and homeowner. Information does not factor in vehicle location which can modify price quotes substantially.

Car Insurance Rates for Popular Pickup Trucks in Chula Vista
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD $1,330 $665 $111
Chevrolet Silverado 3500HD LT Crew Cab 4WD $1,344 $672 $112
Chevrolet Silverado LTZ Extended Cab 4WD $1,124 $562 $94
Dodge Ram 2500 Crew Cab ST 4WD $1,220 $610 $102
Dodge Ram Quad Cab SLT 4WD $1,146 $573 $96
Ford F-150 FX4 Super Cab 4WD $1,070 $535 $89
Ford F-250 XL Super Cab Turbo Diesel 4WD $1,288 $644 $107
GMC Sierra 2500HD SLE Crew Cab 4WD $1,124 $562 $94
GMC Sierra SLE Crew Cab 2WD $1,048 $524 $87
Toyota Tundra SR/5 Crew Max 4WD $1,220 $610 $102
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Table data represents married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Estimates do not factor in specific garaging location which can increase or decrease premium rates substantially.

Car Insurance Rates for Popular SUVs and Crossovers in Chula Vista
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 M AWD $1,372 $686 $114
Chevrolet Suburban LTZ 2WD $1,124 $562 $94
Chevrolet Traverse LTZ AWD $984 $492 $82
Ford Escape Limited 2WD $906 $453 $76
Ford Explorer XLT AWD $992 $496 $83
GMC Acadia SLT 2WD $1,048 $524 $87
Honda CR-V EX-L 4WD $906 $453 $76
Honda Fit Sport VSA $906 $453 $76
Honda Pilot EX 2WD $1,014 $507 $85
Jeep Grand Cherokee SRT-8 4WD $1,124 $562 $94
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,082 $541 $90
Kia Sportage EX 4WD 4-Dr $1,048 $524 $87
Toyota Highlander SE 4WD $1,144 $572 $95
Toyota RAV4 Limited 4WD $1,048 $524 $87
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in Chula Vista location which can influence insurance rates greatly.

Car insurance discounts are available to lower rates

The diagram below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The data is based on a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, multi-car, safe-driver, homeowner, and marriage discounts applied.

Chula Vista, California Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Top 15 cheapest vehicles to insure in Chula Vista, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Mazda 5
Chevrolet Colorado
Mazda MX-5 Miata
Ford Escape
Kia Rondo
Nissan Xterra
Ford F-150
Jeep Wrangler
Top 15 most expensive vehicles to insure in Chula Vista, CA
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Mercedes-Benz CL550
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Chula Vista, CA
GMC Acadia
Subaru Outback
GMC Sierra
Audi Q7
Buick Enclave
Ford Escape
Ford Fusion
Jeep Grand Cherokee
Chrysler Town and Country
Infiniti QX56
Jeep Liberty
Chevrolet Suburban
Toyota FJ Cruiser
GMC Sierra 2500HD
Ford F-150